what causes mortgage interest rates to change when it comes to real estate?
Answer:
The answer is below
Explanation:
Various reasons cause mortgage interest rates to change when it comes to real estate. These are:
1. Inflation: when there is inflation in the economy, everything increases in prices. Mortgage brokers also increase the mortgage interest rates to meet up with the price increase.
2. Strength of the economy: this is based on the belief that a good economy will lead people to demand housing properties and in turn, will increase demands for mortgages. This increase in demands will lead to rising in mortgage interest rates
3. Law of demand and supply: the higher the demand for housing properties, the higher the mortgage interest rates increases, and vice versa.
4. The nation's federal reserves: the monetary policies of a nation has a direct impact on the lending operation of a financial institution. Thereby affecting the mortgage interest rates as the capital for financing the mortgage became is affected through the monetary policy of a nation
5. The bond market: an increase in bond investment particularly mortgage bonds leads to an increase in mortgage interest rates as there will be competition to attract investors.
Describe what projective tests are, and then explain how projection is used in the thematic apperception test (TAT) and the Rorschach inkblot test. How effective are these tests?
Answer:
Projective tests are a type of personality test that is designed to have a person react to ambiguous stimuli to potentially reveal hidden emotions that are projected onto the test. In the Rorschach Inkblot Test a person is shown a series of ten black and white cards and asked to report the first thing that comes to mind. The participant then says what came to mind and may project some emotions onto the inkblot that were previous unmentioned. The person administering the test then records aspects of their reactions like gestures and tone of voice. In a thematic apperception test or TAT a person is shown an ambiguous scene and asked to create a story around it. The person can then reveal emotions that they did not previous mention in the story by stating how the characters feel and how the story ends. In a projective test a lot is up for interpretation based on the individual and how they are feeling at that time making the test lack both reliability and validity because of no grading scale being set in stone and results being inconsistent.
Explanation:
I just did this on edge. Brainliest?
Which two powers are exclusive to the Senate?
confirm Supreme Court judges
conduct impeachment trials
raise federal income taxes
declare war on foreign powers
Answer: confirm Supreme Court judges
conduct impeachment trials
Explanation:
The powers that are exclusive to the Senate are to confirm Supreme Court judges and also to conduct impeachment trials.
The Senate was created in order to protect the rights of the people living in the country and it also helps in checking the activities of the government. When Supreme Court judges are appointed, the Senate helps to confirm them.
The two powers that are exclusive to the Senate are: Confirm Supreme Court judges, and Conduct impeachment trials.
The powers to raise federal income taxes and declare war on foreign powers are not exclusive to the Senate.
The power to raise taxes is shared by both the Senate and the House of Representatives.
Declarations of war, although historically made by Congress, do not require the exclusive involvement of the Senate.
Thus, both the Senate and the House of Representatives have the authority to declare war, although in practice, declarations of war have become less common, with military actions typically authorized through other means such as joint resolutions.
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You are a real estate agent working for HighMax Homes. What is the primary purpose of the document shown?
Answer: To explain what a home inspection does and does not include.
Explanation:
The document in question is a Home Inspection Agreement.
The purpose of this document is to inform the parties involved of the purpose of the home insurance agreement as well as its limits or rather what it does not address.
Some of the things it addresses include: uncovering major visible repair problems and safety issues. Some of the limits are: the inspection is visual which means that some repair issues may escape the inspection.
You should present a cogent argument based on your critical analysis of the questions posed, using appropriate psychological terminology. It is not enough to answer a question by merely listing facts. REMEMBER SODAS
Researchers dropped 200 identical wallets on sidewalks near a large university. Each wallet contained the name and address of the owner and either a photograph of a baby, a photograph of a puppy, a photograph of a young family, a photograph of an older couple, or no photograph. The researchers hypothesized that the type of photograph left in the wallet would influence the rate of return. The wallets with a photograph of the baby and the wallets with a photograph of the puppy were left early in the morning, the wallets with a photograph of the young family were left in the afternoon, and the wallets with either no photograph or a photograph of an older couple were left in the evening. Eighty-four of the 200 wallets (42%) were eventually mailed back to the owner, as shown below.
Type of Photograph Baby Puppy Young family No photograph Older couple
Return Rate 80% 65% 47% 10% 5%
A. Identify the following aspects of the study as described above.
Control condition
Dependent variable
Confounding variable
B. How might cognitive dissonance explain why people returned the wallets?
C. How might individualistic culture explain why people did not return the wallets?
D. How might out-group bias explain the low rate of return for the wallets with the older couple’s photograph?
E. A survey was conducted in which individuals were asked, “Would you return a lost wallet that you found?” Use social desirability bias to explain whether the percentage of individuals who answered “yes” to this survey question would be higher, the same, or lower than the overall return rate (42%) in the study above.
Answer: A)Control : no photograph
Dependent: whether they returned it or not
Confounding:time of day
B) people have the need to see themselves as righteous so to raise their self esteem and maintain their image they’ll do something good
C)they valued their own interest ?? (Not sure)
D)maybe the ppl who picked up the wallets were young, so the older couple’s photograph would be an out group “them” compared to the young “us”
E)higher
Explanation:
Based on the information given, there is no control condition in this case.
The dependent variable is the people that are returning the wallet and the confounding variable is the amount of cash and other debit or credit cards in the wallet.
Cognitive dissonance means the mental discomfort that results when people hold two conflicting beliefs. This can explain why people returned the wallets.
Individualistic culture explains why people return the wallets as the individuals who valued honesty and integrity would have returned the wallet.
Outgroup bias is the tendency to favor the outgroup over the ingroup. This will lead to low rate of return for the wallets with the older couple’s photograph.
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Based on the map, which of the following explains the similarities of the world regions where at least 51 percent of women work in agriculture?
Answer:
These regions are composed of less-developed countries with large rural populations.
Explanation:
The areas shown on the map with at least 51 percent of women working in agriculture are all less-developed countries that have large rural populations.
Answer:
These regions are composed of less-developed countries with large rural populations
Explanation:
The other answers can be eliminated until this one is left. This also makes logical sense, that less-developed countries with large rural populations would have 51% women working in agriculture.
